First free bank card for children and teenagers from 6 to 17 years old.

Ability to control your child’s expenditures.

Free education at our school of financial literacy."

Junior Card

Junior Card

This modern financial instrument will help your child to master the basics of financial literacy and teach them to use their own funds and banking services wisely.

Updated design of Junior Card and a whole pack of stickers allow your child to express themselves by creating their very own unique bank card.

With Junior Card your child is always on their game.

With Junior Card, your child can:

With Junior Card, your child can:
  • get banking education at juniorbank.ua;
  • take part in exciting business quests and excursions to the bank;
  • learn from the PrivatBank top-managers at our business school;
  • take part in competitions, contests and promotions by JuniorBank and Mastercard;
  • personalize their card with special sticker pack.

Service rates

Characteristics Terms and conditions
Registration cost free of charge
Payment for goods and services at retail outlets and online free of charge
Payment by card to an account of a legal entity (payment within Ukraine). 4% for transfers from credit funds or 1% (min UAH 3, max UAH 1,000) for transfers from own funds + UAH 2 for transfers by voice banking
Set a credit limit on the card with parental consent max 300 UAH.
No credit limit for Junior Cards since OR starting from 20.06.2019
Grace period 55 days for free
Monthly base interest rate at the end of the grace period 3.6 %
Monthly Statutory Payment Minimum UAH 30 and no more than the balance;
10% of arrears but minimum UAH 30 and not more than the balance - in case of delay, starting from the second month thereof
Schedule of monthly payments until the 25th of the next month
Credit fee for delay in performing contractual obligations, per month 7,2%
Interest from the amount of the unrecovered loan in accordance with Part 2 of Article 625 of the Civil Code of Ukraine, per annum 86,4%
The list of conditions under which in accordance with Part 2 of Article 625 of the Civil Code of Ukraine an interest is accrued, given in Clause of the Terms and Conditions
Fee for withdrawal of own funds - from ATMs and cash points of PrivatBank and other Ukrainian banks - 1%
- at ATMs and cash points abroad - 2%
Fee for cash withdrawals at PrivatBank cash points and ATMs, any Ukrainian and foreign bank cash points, as well as quasi-cash transactions up to 100 UAH: 7 UAH
100–200: 12 UAH
200-300: 18 UAH
Card replenishment (including crediting the remainder of more than UAH 50).

at a cash desk

  • Cardholder (with and without a card) - 0.2%
  • non-cardholder - 0.5% min - 5 UAH

at a self-service terminal - without using a card - 0.5% of the amount (minimum UAH 5)

For PrivatBank cardholders there is a promotional rate of 0.2% of the amount (minimum UAH 2)

Cash withdrawal without using the card at the cash desk or ATM

at cash desk - without using a card - 0,2% min - 5 UAH

ATM - UAH 2 (except withdrawal by scanning a QR code)

Commission for settlement service of inactive accounts for which there were no transactions for 12 consecutive months (all active accounts are missing) UAH 20 per month, but not more than the balance on the account
Fee for balance enquiry at PrivatBank ATMs and self-service terminals (other than cash withdrawal receipt) UAH 3
Fee for mobile phone top up using the card + 1% on account of credit funds
Penalty for failure to fulfil obligations in accordance with the terms and conditions of banking services 0.24% (accrued for each day of delay instead of the base interest rate).
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With Junior Card you can:

With Junior Card you can:
  • rest assured that your child’s money is safe, as it is stored securely in “electronic wallet”;
  • top up the card at any time at PrivatBank branch or via Privat24 Internet Bank;
  • control all the expenditures with SMS-informing;
  • arrange a regular transfer of money from your card to Junior Card.

How to apply for free Junior Card?

How to apply for free Junior Card?

Visit the nearest PrivatBank branch with your child (or just by yourself) and submit the following:

  • your child’s birth certificate (certificates issued outside of Ukraine are allowed for submission too);
  • taxpayer ID and electronic passport (ID card) – required for children from 14 years old;
  • parent’s Universal card and your child’s personal phone number.

Junior Card is linked to the parent’s (or guardian’s) account, so you need to be a PrivatBank client in order to apply.

Paying with Junior Card at a school canteen

Paying with Junior Card at a school canteen

With their own bank card, your child will be able to pay for meals and buy snacks fast and easy. You can always control these payments with SMS-informing.

If your school does not have PrivatBank’s terminals, you can discuss the possibility of their installation with the school's management and explain all the advantages.

Personal design card

Personal design card

Crave uniqueness in everything? Create your card design by yourself! Personal design card is auxiliary to your main card and it features all the same benefits. You can create design of your card using your photo or any image you like.

Frequently Asked Questions

Is it possible to connect Junior Card to SMS-informing?

SMS-informing for Junior Card is connected immediately upon card activation to primary (financial) phone of a child and one of the parents.

What are the ways of Junior Card replenishment?

Junior Card can be replenished by:
• regular payment from the card of one of the parents;
• transferring funds via Privat24;
• transferring funds via self-service terminal;
• sending to number 10060 a command SEND[amount]UAH+[last 4 digits of the card of one of the parents]+[Junior Card number]. Example: SEND54UAH+1111+4444222233335555;
• visiting any bank branch.

What is Business School?

JuniorBank’s Business School is a school of financial literacy for children. At Business School trainings, a child will gain leadership and independent behavior skills, learn how to build startups and efficient communications, get knowledge of banking services and products.

How to become a student of Business School?

To become a student of Business School, it is enough to obtain Junior Card, register on the website of JuniorBank (www.juniorbank.ua) and apply for training. Students of Business School can be pupils aged 10 to 16 years old.

What is Business Quest?

Business Quest is an exciting interactive lesson for children, the essence of which lies in solving the financial puzzle. During the quest, a child will learn how the real bank is arranged, which banking services it provides and have fun.

What is Bank Excursion?

During a bank excursion, a child will learn about main banking jobs; get knowledge of how to use Junior Card, bank mobile applications; find out how to properly dispose of money.

How to take part in a bank excursion or a business quest?

To take part in a bank excursion or a business quest, you must file an application for participation on the website http://juniorbank.com.ua/ in Section “Education”, by choosing a location on the map.

Which useful information can be found on the website of JuniorBank?

On the website of JuniorBank www.juniorbank.ua you can find:
• information about promotions and competitions;
• application forms;
• latest news from JuniorBank.